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Tinh Nguyen

Research Analyst at JPMorgan Chase & Co.

Tinh Nguyen is an Executive Director and Equity Research Analyst at JPMorgan Chase & Co., focusing on coverage of the mortgage and consumer finance sector. He has provided in-depth analysis on companies such as Rocket Companies, UWM Holdings, Mr. Cooper Group, and PennyMac Financial, delivering investment recommendations that have been recognized for their accuracy, with a success rate exceeding 65% on platforms like TipRanks and generating average returns above sector benchmarks. Nguyen began his financial services career in the mid-2000s, previously holding analytical roles at Citi and Barclays before joining JPMorgan Chase & Co. in 2021. He holds FINRA Series 7, 63, 86, and 87 licenses and is known for his thought leadership and robust track record in financial services equity research.

Tinh Nguyen's questions to Chime Financial (CHYM) leadership

Question · Q3 2025

Tinh Nguyen from JPMorgan Chase & Co. inquired about Chime's member growth, competitive landscape, and the impact of widening the funnel on customer acquisition costs (CAC).

Answer

Chris Britt, Co-founder and CEO of Chime, highlighted strong momentum, Chime's leadership in direct deposit switches, and the acceleration of active member growth. Matt Newcomb, CFO, added that early engagement initiatives are driving record activations, lower CAC (down over 10% year-over-year for the third consecutive quarter), and improved cohort performance, leading to a faster 5-6 quarter transaction profit CAC payback.

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